EARN
SellSinkerEllington Credit Company · Financial Services · United States · $143M cap · $1.7M/day traded
$3.74 +0.3% · close 27 Oct · scored 28 Oct
Sinker: Weak, expensive and falling. Nothing here to keep it afloat.
As of 28 Oct 2026, MoatMap's StockRank for Ellington Credit Company (EARN) is 30/100, ranked against 24,000+ stocks in 35 markets (Quality 38, Value 41, Momentum 38, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ABOUT ELLINGTON CREDIT COMPANY
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Ellington Credit Company is a real estate investment trust (REIT) that invests in a diverse portfolio of residential mortgage loans and mortgage-related assets. The company primarily targets residential mortgage-backed securities (RMBS) and other related assets, managed by an affiliate of Ellington Management Group, LLC. As a mortgage REIT, it aims to generate distributable income through opportunistic investments in the residential credit market.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | -0.6M | -25.1M | 10.1M | 15.9M | 57.3% | 41.6M | — | — | — |
| EPS | -0.17 | -0.82 | 0.15 | 0.22 | 44.7% | -1.03 | 0.21 | 0.26 | 3.6% |
| Shares | 37.6M | 37.6M | 37.6M | 29.7M | -21.1% | 39.3M | — | — | — |
| Debt | — | — | — | — | — | — | — | — | — |
| Equity | 154.2M | 112.4M | 136.2M | 193.7M | 7.9% | — | — | — | — |
| Op CF | 27.9M | 22.4M | -10.0M | 9.1M | -31.1% | — | — | — | — |
| Inv CF | -15.2M | 110.5M | 85.7M | 116.4M | — | — | — | — | — |
| Fin CF | -1.8M | -167.2M | -72.0M | -132.3M | — | — | — | — | — |
Made a new 52-week low 9 trading days ago, 24% below its 52-week high. The fall has not stopped yet.
Calmer than 81% of stocks we rank over the past year (26% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EARN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| EARN | Ellington Credit Company(you) | $143M | 30 | Sell |
| HYI | Western Asset High Yield Opportunity Fund Inc. | $122M | 29 | Sell |
| OPP | RiverNorth/DoubleLine Strategic Opportunity Fund, Inc. | $172M | 31 | Sell |
| MHF | Western Asset Municipal High Income Fund Inc. | $145M | 35 | Hold |
| NMT | Nuveen Massachusetts Quality Municipal Income Fund | $131M | 35 | Hold |
| RMMZ | RiverNorth Managed Duration Municipal Income Fund II, Inc. | $113M | 34 | Sell |
| NNY | Nuveen New York Municipal Value Fund | $158M | 36 | Hold |
| VTN | Invesco Trust for Investment Grade New York Municipals | $144M | 39 | Hold |
| JLS | Nuveen Mortgage and Income Fund | $88M | 29 | Sell |
| NAZ | Nuveen Arizona Quality Municipal Income Fund | $158M | 21 | Sell |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.2%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.